Some young people feel that saving is difficult but in reality, it is very simple if you make just a few very small changes in your monthly budget. Let’s take your morning coffee for example. If you take the $5 you might be spending for a gourmet coffee every day before work and put it into an account with an average 6% rate of return, in 40 years you would accumulate $216,823. One small act of savings now could pay off in a very large way for your future.*

*Hypothetical situation for illustrative purposes only and does not represent actual or future performance of any specific product or investment strategy.